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SimplyCash® Plus Business Credit Card from American Express vs American Express® Business Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

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SimplyCash Plus is a great cash back business credit card with practical bonus categories. How does it compare to Business Gold Card from American Express? Read our comparison chart below.

 SimplyCash Plus Business Credit Card from American ExpressAmerican Express Business Gold Card
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SimplyCash® Plus Business Credit Card from American Express

American Express® Business Gold Card

 

Credit Card Summary

 
Cash Back RewardsOffice RewardsCar Rental InsuranceExtended WarrantyPurchase Protection
Introductory Bonus Reward PointsBonus Airline RewardsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending Limit
 
  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% - 21.49%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors
  • Terms apply
  • See Rates & Fees
  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Exclusive Offers: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,200.*
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • Expense Management Tools: Connect to Quickbooks, access SpendManager(SM), receive a Year-End Summary, and more.*
  • *Terms Apply
  • See Rates & Fees
 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR on Purchases for 15 monthsN/A
Purchase APR14.49% to 21.49% Variable based on your creditworthiness and other factors16.49% to 24.49% Variable based on your creditworthiness and other factors
Balance Transfers APRN/AN/A
Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.No foreign transaction fee
Annual FeeNo annual fee$295 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Reward Points Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Cash Back RewardsEarn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases.
 
Bonus Airline Rewards Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
Point Rewards More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
Airline Transfer Partners Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 SimplyCash Plus Business Credit Card from American ExpressAmerican Express Business Gold Card
Pros & ConsPros:
  • 3% cash back on the first $50,000 spent in the category of your choice from a list of 8 select categories
  • No annual fee
Cons:
  • Bonus cash back only applies to purchases up to $50,000 per calendar year
Pros:
  • Rewards
Cons:
  • $295 annual fee
  • Requires excellent credit
Bottom LineGreat cash back business credit card with practical bonus categories... Read full reviewGood rewards card for established business owners... Read full review
 Apply NowApply Now
What Others View

    See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express.

    Which is Better: SimplyCash Plus or Business Gold Card?

    Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing SimplyCash Plus or Ink Business Preferred.


    Articles on SimplyCash® Plus Business Credit Card from American Express


    Articles on American Express® Business Gold Card


    Which Do You Like and Why?

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    Compare SimplyCash Plus to:

    American Express Plum Card
    No Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage Insurance$0 Fraud LiabilityIdentity Theft AssistanceRoadside Assistance
    Card TypeAnnual Fee
    Business Charge Card
    $0 introductory annual fee for the first year, then $250

    Gold Delta SkyMiles Business Credit Card
    Introductory Bonus Airline RewardsAirline RewardsNo Limits on RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage Insurance$0 Fraud LiabilityEmergency Card Replacement Identity Theft Assistance
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    17.99% - 26.99% Variable
    $0 introductory annual fee for the first year, then $95

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    Compare Business Gold Card to:

    American Express Business Platinum
    Introductory Bonus Reward PointsTravel RewardsAirline RewardsBonus Airline RewardsHotel RewardsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitConcierge Car Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage Insurance$0 Fraud LiabilityEmergency Card ReplacementIdentity Theft AssistanceRoadside Assistance
    Card TypeAnnual Fee
    Business Charge Card
    $595

    Business Green Rewards Card
    Introductory Bonus Reward PointsPoint RewardsNo Limits on RewardsNo Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage Insurance
    Card TypeAnnual Fee
    Business Charge Card
    $0 introductory annual fee for the first year, then $95

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    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

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